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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,111 | $138,386-8.9% | $184,260-31.6% | $80,935+55.8% |
| Participation rate | 58.3% | 83.9%-25.6pp | 86.8%-28.5pp | 67.7%-9.3pp |
| Annual return | 10.20% | 20.02%-9.8pp | 28.84%-18.6pp | 35.66%-25.5pp |
| Employer contribution / active EE | $2,558 | $4,851-47.3% | $6,427-60.2% | $2,757-7.2% |
| Participant deferral / active EE | $5,266 | $7,076-25.6% | $9,133-42.3% | $4,299+22.5% |
| Admin fee / account holder | $16,346 | $10,489+55.8% | $13,898+17.6% | $6,924+136.1% |